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Sierra Bancorp (BSRR)



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Upturn Advisory Summary
08/28/2025: BSRR (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $32.62
1 Year Target Price $32.62
1 | Strong Buy |
0 | Buy |
4 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.79% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 419.40M USD | Price to earnings Ratio 10.64 | 1Y Target Price 32.62 |
Price to earnings Ratio 10.64 | 1Y Target Price 32.62 | ||
Volume (30-day avg) 5 | Beta 0.79 | 52 Weeks Range 22.02 - 34.22 | Updated Date 08/28/2025 |
52 Weeks Range 22.02 - 34.22 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.20% | Basic EPS (TTM) 2.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28% | Operating Margin (TTM) 37.47% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 11.53% |
Valuation
Trailing PE 10.64 | Forward PE 11.44 | Enterprise Value 671960320 | Price to Sales(TTM) 2.88 |
Enterprise Value 671960320 | Price to Sales(TTM) 2.88 | ||
Enterprise Value to Revenue 4.88 | Enterprise Value to EBITDA - | Shares Outstanding 13590300 | Shares Floating 11976204 |
Shares Outstanding 13590300 | Shares Floating 11976204 | ||
Percent Insiders 10.33 | Percent Institutions 58.65 |
Upturn AI SWOT
Sierra Bancorp

Company Overview
History and Background
Sierra Bancorp was founded in 1978 as a community bank focused on serving the Central Valley of California. It has grown organically and through acquisitions, expanding its presence and service offerings.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, personal loans, mortgages, and other financial services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and institutions.
Leadership and Structure
The company is led by a board of directors and an executive management team. Key executives include the CEO, CFO, and Chief Credit Officer. The organizational structure is typical of a regional bank, with departments focused on lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to precisely determine due to the fragmented nature of the market, but Sierra Bancorp is a significant player in its region. Competitors include other regional banks like CVB Financial (CVBF) and larger national banks.
- Agricultural Lending: Loans to farmers and agricultural businesses. Sierra Bancorp has a strong presence in agricultural lending in the Central Valley. Competitors include Rabobank and Farm Credit West.
- Personal Mortgages: Mortgage loans for primary and secondary residences. Market share is moderate compared to larger national lenders, focused on their existing customer base. Competitors include Wells Fargo (WFC) and Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment due to rising interest rates, increased competition, and regulatory pressures. Fintech companies are also disrupting traditional banking models.
Positioning
Sierra Bancorp is a community-focused regional bank. Its competitive advantage lies in its local knowledge, personalized service, and strong relationships with customers in the Central Valley of California.
Total Addressable Market (TAM)
The TAM for banking services in Sierra Bancorp's geographic footprint is estimated to be in the billions of dollars. Sierra Bancorp is well-positioned to capture a significant share of this market due to its strong local presence.
Upturn SWOT Analysis
Strengths
- Strong presence in the Central Valley of California
- Experienced management team
- Strong customer relationships
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Reliance on agricultural lending
- Smaller size compared to national banks
- Vulnerability to regional economic downturns
Opportunities
- Expanding into new markets within California
- Increasing wealth management business
- Leveraging technology to improve efficiency
- Acquiring smaller banks
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic slowdown in California
- Regulatory changes
Competitors and Market Share
Key Competitors
- CVBF
- BANC
- FFWM
Competitive Landscape
Sierra Bancorp's competitive advantage lies in its local focus, personalized service, and strong relationships with customers. However, it faces stiff competition from larger banks and fintech companies.
Major Acquisitions
River City Bank
- Year: 2017
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded Sierra Bancorp's presence in the Sacramento market.
Growth Trajectory and Initiatives
Historical Growth: Sierra Bancorp has experienced steady growth over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for Sierra Bancorp, with revenue and earnings expected to increase in the coming years.
Recent Initiatives: Recent strategic initiatives include expanding into new markets, investing in technology, and increasing its focus on wealth management.
Summary
Sierra Bancorp appears to be a stable and well-managed regional bank with a strong presence in the Central Valley of California. Its consistent profitability and growth trajectory suggest a healthy financial position. However, it faces challenges from larger competitors and a changing regulatory environment, requiring it to innovate and adapt to maintain its competitive edge.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance may change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sierra Bancorp
Exchange NASDAQ | Headquaters Porterville, CA, United States | ||
IPO Launch date 1994-11-02 | President, CEO & Director Mr. Kevin J. McPhaill | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 494 | Website https://sierrabancorp.q4ir.com |
Full time employees 494 | Website https://sierrabancorp.q4ir.com |
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; mobile check deposits; online lending solutions; online and automated telephone banking services; and remote deposit capture and payroll services for business customers. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

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